FD Monthly Interest Calculator
How much monthly (or quarterly) income will your FD pay? Calculate payout for any deposit and rate, or the deposit needed for a target monthly income.
Updated 30 September 2026 · 25 banks trackedAbout the Monthly interest calculator
Use this calculator for non-cumulative FDs that pay interest out. It shows the monthly, quarterly, half-yearly and yearly payout, and works backwards from the monthly income you need.
FD Monthly Interest Calculator
Monthly income table
| Deposit | Monthly @ 6.5% | Monthly @ 7.0% | Monthly @ 7.5% | Quarterly @ 7.0% |
|---|---|---|---|---|
| ₹1,00,000 | ₹539 | ₹580 | ₹621 | ₹1,750 |
| ₹5,00,000 | ₹2,694 | ₹2,900 | ₹3,106 | ₹8,750 |
| ₹10,00,000 | ₹5,387 | ₹5,799 | ₹6,211 | ₹17,500 |
| ₹25,00,000 | ₹13,469 | ₹14,499 | ₹15,528 | ₹43,750 |
| ₹50,00,000 | ₹26,937 | ₹28,997 | ₹31,055 | ₹87,500 |
How the calculation works
Quarterly payout = P × r ÷ 400. Monthly payout = quarterly payout ÷ (3 + 3i + i²), where i = r ÷ 1,200. Half-yearly = P × r ÷ 200; yearly = P × r ÷ 100.
Frequently asked questions
How much FD do I need for ₹20,000 a month?
At 7% you need about ₹34.5 lakh (monthly payout discounted). Use the “target income” mode above.
Information is for education and comparison. Rates and rules change — confirm with your bank and a tax adviser before investing. FinancePortal is not a financial or tax adviser.